IA Excellence Spring Launch…
It’s a go!
One for the money…
Return of Premium Rider on Cancer Guard
Money matters…to just about everyone. And no one wants to feel like they’ve spent their money on something that didn’t matter. That’s why having an option that if it’s not used, a client can get their money back is such a powerful proposition. And that’s why we’ve added a Return of Premium Rider to what you’ve told us is already a great product: CancerGuard.
Available for all CancerGuard policies including new applications and all of our inforce plans. The new ROP Rider is available on all terms and is also available on all inforce plans at attained age.
Here’s what Cancer Guard now offers your clients who are between 0 and 55 years of age if they choose to add the new rider to their plan: - 100% return of premium on death
- 50% return of premium at maturity (age 75)
Advisor compensation:
- 50% of regular compensation
Important to note: - If your client has selected a critical illness or prevention rider alongside the base cancer coverage the ROP Rider costs will be calculated based on the riders as well as the base coverage. In other words, the ROP cannot be selected for the base coverage only when riders are added.
- The rider must be in force at the time that the ROP benefit is payable. Once purchased, the Return of Premium benefit cannot be cancelled separately from the base coverage and riders.
Two goes below… Term rate changes How low can we go? Well, we go below almost all of our competitors! Now that’s low! At Excellence, we specialize in bundled packages. In fact, you simply can’t get a better price with better features than when you bundle our universal loan product and our term life insurance product. It’s a combination that is tough to beat. So when you’re looking for a product that competes with the banks – look no further! Our term 20 has been reduced on average by 5% and our term 25 life insurance rates have been reduced a full 15 – 30%!
In addition, our term 15 rates have both increases and decreases (dependent on age) and our term 10 rates are increasing by 3%. Click here for our transition rules.
Three to get ready… New eApplication for all underwritten and two of our simplified issue products Ensure that you’re ready when you go to meet your next client with our new eApplication. The eApplication will cut down on the administration time so you’ll get paid even faster! And, the good news is that it is now available for all of our fully underwritten products and for simplified issue Acci-Jet and CancerGuard products. And Four… Let’s go! June 9th is go time just like we promised! Are you ready to go out there and start selling using our new product features, eApplication and term rates?
Updates to our marketing materials and applications Here’s a summary of what’s changed as a result of this launch. Ensure that you take the time to order the materials you need so you’ll be ready when you meet with clients.
Name | Change? | Availability | CancerGuard brochure and application | - Addition of our new ROP rider to Section 3 with improvements to the design to help clarify the information needed by coverage and/or rider option.
- We’ve added a new section for Beneficiaries.
| Ready for ordering | CancerGuard tri-fold | - Addition of our new ROP rider
| ROP rider will be added to this tri-fold brochure in July. | Signature form | - This is a new form that is an accompaniment to our eApplication. This form is required as part of the issue requirements.
| Ready for ordering | Pyramid | - New term rates
- New ROP rider on CancerGuard
| Download the new version now – or you can order a CD via our online order form. | New online order form | - We’ve moved our order form from a fillable PDF to being completely online saving you one step in the process. Now there’s no need for you to save the file and send us an e-mail. It’s all done with the push of a button. Plus, if you get interrupted during the ordering process, you can always come back and finish what you started. No need to start all over again.
| Ready for use on our website. Click here to go directly to our online order form to place an order today! | | 
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